Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk


Get Up to £5,000!*

Select an Amount:

Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

Please note:
Cashity is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances

Welcome To Cashity

Welcome to Cashity the one stop shop for all your loan needs we specialise in providing a fast and hassle free finance applications. Put that spending power back in your wallet with Cashity’s 90-second application process.


We have a Variety of Loan Options

Click around and find out what suits you best. You may find that there is a loan here that suits your circumstances perfectly. If not then why not get in touch with our amazing team, they can find a plan to fit any situation.

Instalment Loans
Fast Loans
Loan Locations

We Will Guide You Every Step of the Way

We will find the best plan to suit your individual needs no matter what amount you’re looking for or for how long.

Check Out What Made Her Smile

We have a dedicated team on hand every day to make sure that you get the service that you deserve.

Competitive Examples from Rival Companies

Click ‘Show More’ for a representative example of their rates.

Loan amount
Loan term
3 months
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Loan amount
100 - 2,500
Loan term
6 - 14 Months
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Best Debt Consolidation Loans for People with Bad Credit

If you are struggling with debt – as many users are – you may be looking for a way to pay off your bills and get back on track financially. Debt consolidation loans people with bad credit instant decision no fees are one way to get out of debt. You may be wondering where to look if you’ve been turned down by your bank or credit union. Before you go down the wrong road, take the time to look at choices for you. Regardless of your credit background and financial condition, it is always advisable to look. At the same time, the more you understand the differences between the many debt relief benefits, the more likely you are to make an intelligent decision and get on the road to financial independence.

Banks and Credit Unions

Many people hoping for debt consolidation loans with poor credit profiles contact their bank or credit union first. And while it makes sense to do business with a company that you previously know and believe in, you may be frustrated if you get turned down for a loan. Banks and credit unions offer a variety of conventional loans and other products, but they generally don’t cater to debt consolidation loans for people with bad credit.

Banks and credit unions often use a risk-based pricing model, meaning the greater the risk they think you are in terms of repaying the loan, the higher the interest rate the will charge you. So, even if you get accepted for a loan, you could end up paying more in interest and fees than somebody with greater credit.

So whether you are allowed for a loan at a large interest rate, or you get turned down because of your credit, keep in mind there is an abundance of other substitutes for debt consolidation loans for bad credit. Just continue doing your study and contact other lenders and debt relief companies before signing any paperwork.

“Payday” Lenders

It may appear tempting – get a cash advance on your paycheck, and return back the cash in a week or two. But read the fine print, and you will see that payday lenders prey on those who are looking at for debt consolidation loans for individuals with bad credit who need cash right away. Often these consumers feel they have no other alternative, as either they’ve been turned down by the bank or their credit union, or they do not have time to wait days for an approval. Consumers who opt for payday loans are led astray by the ads promising quick cash with no credit checks.

So what precisely is a payday loan? It is typically a short-term loan or cash advance meant to tide you over until your next paycheck. And what isn’t it? It’s not a way to get out of debt, stay debt-free, or develop strong money management skills to last forever. Choosing for payday loans usually leave consumers deeper in debt and somewhat “addicted” to the cycle of obtaining fast cash whenever they need it. If you are looking for debt consolidation loans for those with bad credit, you would be smart to look elsewhere.

Debt Consolidation Lenders

Lenders operate separately from banks and credit unions; they concentrate on offering debt consolidation loans for individuals with a poor reputation, as well as those with medium or greater credit profiles. Opting for a debt consolidation loan from this lender means that you are entering into a contract for the lender to pay off your remaining debts now. You will then have one loan – meaning just one monthly payment – owing to the lender, which you will pay back over a period of time. Debt consolidation loans typically use a risk-based pricing model identical to banks and credit unions, so the interest rate you pay is based on your credit and capacity to pay back the loan.

A reputable lender will offer two or three different debt consolidation loans for poor credit profiles. They understand a one-size-fits-all approach doesn’t take into account your particular financial situation. If you decide to work with a debt consolidation lender, make sure they show you different options, and that you are aware of how each works, how much you will pay every month, your interest rate and any fees, and how promptly you can pay off the loan.

Consumer Counselling Agencies

Nonprofit consumer credit counselling agencies offer options to debt consolidation loans for people with poor credit. They might be able to assist you to negotiate better interest rates with your current creditors or find another way to pay down your accounts. And they may sound like the best option available – work with a nonprofit agency that’s seeking out for your best interests, right?

Many individuals take for granted a consumer counselling company is the best choice, simply because the words “not-for-profit” imply an agency is helping consumers out of the goodness of its heart. But the only variation between a for-profit and non-profit debt relief company is that the non-profit does not pay taxes on the money made. This means that they may still charge fees for their services. It’s up to you to do your research to find a company that has a great record of success getting people out of debt the right way.

When making your homework, don’t let the non-profit status of a consumer credit counselling agency fool you into believing it’s the one and only or best alternative for obtaining out of debt. Between debt consolidation loans for poor credit profiles and the substitutes to conventional loans, you have a lot of options to enhance your financial condition.

3 most recent personal loan reviews

Review of Drafty

Excellent, paid on time, offered a top up a year later- done within less than 30 minutes - paid out within two hours can't fault this company had two loans with them prior to this one.

Review posted by Andrea Attwood, Harrogate

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Tesco Bank

Company makes sure that guarantor and applicant understand their contractual obligations. Faster payment is used so participating banks transfer the money in less than 2 hours, mine for Tesco-Guarantor-Applicant was less than 2 hours for the total process. Avoid an Easter weekend, takes longer to process applications. Also, look at other lenders, some ask over 1000% interest, Tesco, 49%, early repayment allowed, interest charged on a daily basis to repayment date.

Review posted by Micheal Peters, Southwold

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Ferratum

When I made my application I thought it was merely a scam. It was too good to be true considering my credit rating. I couldn't believe my eyes when I checķed my account a few hours later and saw the huge amount sitting there. I don't hesitate to give Ferratum the highest ranking on the land for believing in me and made my dreams possible by making the funds available to me in a short space of time hussle free. No paper work, no stress.

Review posted by Lorraine Smith, Ironbridge

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

All Reviews have been acquired from https://uk.trustpilot.com/ to guarantee authenticity.